QB does not have an online account to handle.. blah blah issue

You'll only get the QB doesn't have an online account to handle error message when the account you're using is inactive. Allow me to guide you so you can fix your account, importing and matching issues, Kevin.

In QuickBooks Desktop, you have the option to make an account inactive if you don't want to use this as of the moment. This hides the account from your chart of accounts and transactions. If this is the case and wants to use the account again, you can set this as active. To do so, follow the steps below:

1. Go to the Lists menu, then select Chart of Accounts.
2. Select the Include inactive checkbox.
3. Right-click on the account you want to make active again, then select Edit Account.
4. Clear the Account is inactive checkbox.
5. Click Save & Close.

Once you've done, this will minimize the error that you're getting or resolve the issue. Therefore, you'll will not go through with the process of creating another account and merging them just to make everything right. 

For the matching issues, there are times when QuickBooks is unable to match a transactions. This happens because of variety of reason. Take a look at the options below:

• You haven't entered the transactions into QuickBooks yet. Doing so should change the status to Matched.
• The transaction could have a different transaction number, amount, date, or name. Find the transaction in QuickBooks and make edits based on your bank records. Doing this will change the status of the downloaded transaction to Matched. Please know that you can only do this if you know you've found the exact match in QuickBooks.
• If a downloaded transaction matches an already reconciled transaction, QuickBooks won't match them. The reconciled transaction has a checkmark in the CLR column.
• Although rare, QuickBooks might download duplicate statements or transactions. If transactions have a lightning bolt in the CLR column, they won't match again, even if all the info is the same.

For more information on how you can review and match, read this article: Add and Match Bank Feed Transactions in QuickBooks Desktop.

Lastly, you'll get the "it's up to date error when the .qbo file is formatted the same as the last import. You'll have to make sure to confirm that this is a new file and re-import the file. 

Additionally, check out this article on how you can review your accounts to make sure they match your real-life bank and credit card statements: Reconcile An Account in QuickBooks Desktop.

Let us know if you have any other questions with your online account, matching and importing bank transactions. The Community is always here to help you out.